Privacy Policy


FACTS

WHAT DOES First Liberty National Bank DO
WITH YOUR PERSONAL INFORMATION?



Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.



What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and [income]
  • [account balances] and [payment history]
  • [credit history] and [credit scores]

When you are no longer our customer, we continue to share your information as described in this notice.



How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons First Liberty National Bank chooses to share; and whether you can limit this sharing.



Reasons we can share your personal information

Does First Liberty National Bank share?

Can you limit this sharing?

For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes—
to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes—
information about your transactions and experiences

Yes

Yes

For our affiliates’ everyday business purposes—
information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

No

We don't share



To limit
our sharing

  • Call (936) 336-6471
  • Visit us online: www.flnb.com or
  • Mail the form below

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.



Questions?

Call (936) 336-6471 or go to www.flnb.com

✂-------------------------------------------------------------------------------------------------------------------------------

Mail-in Form

If you have a joint account, your choice(s) will apply to everyone on your account unless you mark below

 ▢ Apply my choices only to me

Mark any/all you want to limit:

▢ Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

▢ Do not allow your affiliates to use my personal information to market to me.

Name


Mail to:

First Liberty National Bank

PO Box 10109
Liberty, TX 77575

Address




City, State, Zip


Account #




Page 2






What we do

How does First Liberty National Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We also maintain other physical, electronic, and procedural safeguards to protect this information and we limit access of information to employees for whom access is appropriate to their job duties.

How does First Liberty National Bank collect my personal information?

We collect your personal information, for example, when you

  • [open an account] or [deposit money]
  • [pay your bills] or [apply for a loan]
  • [use your credit or debit card]

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account—unless you tell us otherwise.



Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include:
    •    Financial Companies such as FLNB Insurance Agency.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  •  First Liberty National Bank does not share with nonaffiliates so they can market to you

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include:
    • TIB, The Independent Bankers Bank, a credit card company.
    • Ameriprise Financial Services, LLC, a provider of non-deposit investment products.



Other important information

Any comments or complaints about this policy, privacy-related issue or inaccuracy in customer data can be made by contacting:

Lisa Hart-Fregia, Compliance Officer
lhart@flnb.com
First Liberty National Bank
P.O. Box 10109
Liberty, Texas 77575
936-336-6471

rev. 08/2021

Special Information Applicable to Electronic (Internet) Banking:


First Liberty National Bank's "Privacy Principles" will apply to customers' confidential and private information with regard to both traditional and non-traditional (i.e., Internet) banking activities. However, due to the unique nature of the Internet and the ease with which information can be exchanged, First Liberty National Bank feels it is important for customers to be aware of the unique issues surrounding Internet Banking.

Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless and MetroPCS. 

To better serve legitimate Internet Banking customers: 

First Liberty National Bank collects generic information about visitors to our website. This information includes the date and time of access, the Internet service provider's address, the web browser used, and the visitor's physical location. 

First Liberty National Bank requires customers to utilize specific passwords for access to confidential and private information. First Liberty National Bank reminds customers of their responsibility to safeguard login IDs and passwords. In addition, commercial customers should carefully screen those employees to whom user IDs and passwords are granted. 

First Liberty National Bank utilizes encryption, firewall, router, third party verification procedures and other security software and hardware to help prevent unauthorized eavesdropping of and access to customers' confidential and private information. 

First Liberty National Bank utilizes virus protection software to help prevent the spread of computer viruses. 

First Liberty National Bank utilizes "cookies" to help authenticate our customers' identities and to help facilitate the exchange of information between First Liberty National Bank systems and our customers' systems. 

First Liberty National Bank reminds all of our customers that links in the institution's websites can be to websites not under our control. These websites will not necessarily comply with First Liberty National Bank's "Privacy Principles" and security standards. 

First Liberty National Bank reminds all of our customers that confidential and private information may be compromised in both traditional and non-traditional banking activities. First Liberty National Bank can only establish policies and procedures to help restrict use of and access to confidential and private information. If any First Liberty National Bank customers believe that confidential and private information has been compromised, please contact First Liberty National Bank immediately so that the potential breach can be investigated. 

Protecting Children’s Privacy Online:

We do not knowingly collect or use personal information from children under 13 without obtaining verifiable consent from their parents. If you are under 13, please do not enter your personal information. We are not responsible for the data collection and use practices of nonaffiliated third parties to which our websites may link. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the Federal Trade Commission website: www.ftc.gov 
                                                                                                                                                          

Comments or Complaints by Customers:

Any comments or complaints about this policy or any privacy-related issue or any inaccuracy in customer data can be made by contacting: 

Lisa Hart, Compliance Officer

936-336-6471